Tech BicharIn-hand Salary Calculator (India)
Turn CTC into an estimated monthly in-hand figure after EPF, professional tax and income-tax TDS using FY 2026-27 slabs.
Estimate only. FY 2026-27 slabs. Confirm with payroll or a CA.
How to estimate in-hand salary
- Enter CTC, basic percent and city.
- Pick old or new tax regime.
- Read monthly in-hand, annual tax and take-home.
Uses FY 2026-27 slabs from tax-slabs.php. Employer PF is part of CTC and is not subtracted again from in-hand.
Frequently asked questions
Is this my exact salary?
No. It is an estimate. Banks, gratuity, variable pay and your Form 16 can differ.
Which tax year?
FY 2026-27 (AY 2027-28). Slabs live in one file so we can edit them each Budget.
Does it include HRA exemption?
The English tool uses a simple HRA estimate when you enter rent. Use the HRA calculator for a full breakdown.
EPF rate?
Employee 12 percent of basic (capped if you enable the statutory wage cap). Employer 12 percent is part of CTC, not deducted from in-hand.
Professional tax?
Uses a typical Maharashtra-style monthly PT. Change the amount if your state differs.
Private?
Yes. Salary and tax figures never leave this page.